Does Auto Insurance Cover Transmission?

Dealing with unexpected car repairs can be a real financial challenge, especially when it comes to problems with your vehicle’s transmission.

The transmission plays an important role in that, it transfers power from the engine to the wheels.

Unfortunately, transmission issues can pop up out of nowhere, and fixing them often comes with a substantial repair cost.

When faced with such situations, many people start wondering whether their auto insurance will help cover the expenses related to transmission repairs.

In this article, we’ll look into auto insurance coverage for transmission problems, when coverage might come into play, and also consider other insurance options.

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Does Auto Insurance Cover Transmission?
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Does Auto insurance Cover Transmission Repair?

Generally, your car insurance won’t cover replacements and repairs unless it got damaged in an incident covered by your policy.

Car insurance usually doesn’t cover transmission problems caused by wear and tear or aging.

For instance, if you hit an animal or a guardrail, the physical damage coverages in your policy, comprehensive and collision, might cover the transmission repairs.

Here are some of the situations where you might get coverage:

  1. Accidents and Collisions: Your insurance’s collision coverage could pay for the repairs or replacement if a covered accident or collision damages your transmission.
  2. Comprehensive Coverage: This type of coverage protects against non-collision events like theft, vandalism, or natural disasters. If your transmission is damaged or stolen in any of these situations, comprehensive coverage might cover the repair or replacement costs, after you pay the deductible.
  3. Other Covered Perils: Some insurance policies include coverage for specific risks like fire, flooding, or objects falling on your car. If your transmission fails because of one of these covered perils, your policy might extend coverage for the repair or replacement.

When doesn’t auto insurance cover transmission repairs?

In the event your transmission needs fixing, your auto insurance usually helps, but there are exceptions.

If the trouble isn’t your fault, the other driver’s insurance takes care of the repairs.

If they’re uninsured, your coverage for uninsured motorists comes into play.

Regular car insurance doesn’t help if your transmission breaks down from everyday use.

Usually, transmissions last between 100,000 to 300,000 miles, depending on the car and how you take care of it.

If it goes beyond that and needs replacing, you’re on the hook for the cost.

With a standard policy, any maintenance problems that pop up along the way are your own responsibility.

How can I get my insurance to cover a transmission?

If you need assistance fixing your transmission, you might consider getting a mechanical breakdown insurance policy.

This kind of insurance helps with repairs caused by regular wear and tear. Many insurance companies suggest getting this policy once your transmission’s warranty runs out.

With a mechanical breakdown insurance, you can use it to cover the cost of fixing your transmission when parts like brake bands, turbines, or impellers break.

However, it’s important to note that the more claims you make, the higher the chance your insurance rates might go up.

Before filing a claim, consider the cost of your deductible and monthly rates to make sure it’s worth it.

Does Gap Insurance Cover Transmission Failure?

No, gap insurance steps covers the gap between what you still owe on your car loan and the actual value of your vehicle if it’s stolen or totaled in an accident.

Gap insurance usually doesn’t include coverage for mechanical breakdowns, such as problems with your transmission. Its main role is to bridge the financial gap if your car is declared a total loss due to theft or an accident.

Does “full coverage” insurance cover a transmission?

When people talk about “full coverage” car insurance, it’s not a specific type of coverage. It’s more like a nickname for a package deal.

This usually means you’ve got comprehensive, collision, and the basics like liability in your policy.

If your insurance includes these, it might cover transmission damage in case of unexpected events, such as a tree falling on your car or an accident.

What You Need to Know About Auto Insurance and Transmission Repair

If you’re at fault in an accident and your transmission needs fixing, your car insurance should cover the costs.

If your transmission is damaged during a natural disaster or when your car is parked, comprehensive insurance can come to the rescue.

However, when it comes to everyday wear and tear, your liability or comprehensive insurance typically won’t cover the repair expenses for your transmission.


To sum up, every car owner should know the details of auto insurance coverage for transmission problems.

Standard auto insurance usually does not pay for mechanical failures due to normal wear and tear, but there are some situations and extra coverage options that can help a lot.

Crashes and collisions, comprehensive coverage for non-collision events, and specific policies like mechanical breakdown insurance can offer the necessary financial support.

As car owners explore the insurance options available, being aware and choosing additional coverage on top of the basic policy can help them feel secure and confident when it comes to transmission repairs.

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